With a CommBank Awards credit card, you'll get access to Australia's largest credit cards rewards program of any bank in Australia based on the number of cardholders.1 You can:
Take a look around. We've made it easy to build up enough points to treat yourself or a friend to something special.
1Source: DBM Consultants, customers 18+ with a rewards/loyalty card in the 12 months to March 2023.
Earn points on your everyday credit card purchases with no expiry on points. The number of points you earn per $1 spent will depend on your Awards card.
And remember, when you shop with our bonus partners or at the Bonus Points eShop, you'll earn Bonus Points to help boost your balance faster.
Take a look at the table to see how your points can grow with every dollar you spend.
| Card Type | Awards points earned per AUD $1 spent | Awards Points cap - maximum Awards Points you can earn per year |
|---|---|---|
| Retail: | ||
| Awards1 | Up to 1 point per $1 spent for up to and including $2,000 in a statement period | Unlimited |
| Gold Awards2 | 1 point | 75,000 |
| Platinum Awards3 | 1 point | 150,000 |
| Diamond Awards3 | 1.25 points | 1,000,000 |
| Smart Awards4 | Up to 1.5 points per $1 spent for up to and including $5,000 in a statement period | Unlimited |
| Ultimate Awards5 | Up to 3 points per $1 spent for up to and including $10,000 in a statement period | Unlimited |
| Business: | ||
| Business Awards | 1 point | 60,000 |
| Business Gold Awards2 | 1 point | 150,000 |
| Business Platinum Awards | 1 point |
300,000 |
1Awards credit card:
1 Awards point per $1 spent on eligible purchases, up to and including $2,000 in a statement period.
After spending $2,000 in any given statement period, you will earn 0.5 Awards points per $1 spent on any other purchases within that period.
2Gold Awards and Business Gold Awards cards are no longer available for sale from 23 March 2018.
3Platinum Awards and Diamond Awards cards are no longer available for sale from 3 June 2023.
The earning and redemption of CommBank Awards points are subject to the Commonwealth (CommBank) Awards Program Terms & Conditions, available here. Points are earned on eligible transactions (excludes for example BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card) and may be subject to points capping. Awards and the number of points required for Awards are subject to change at any time without notice. Refer to the CommBank Awards Program Terms and Conditions.
Smart Awards and Ultimate Awards credit card features can be found at CommBank Awards Program Terms and Conditions.
4Smart Awards credit card:
1.5 points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining or utilities (electricity, gas & water). Please note that we are reliant on information about the merchant's business categorisation provided to us by either the merchant or their financial institution. The merchant must be classified as a major 'supermarket', 'department store' ,or 'service (petrol) station', 'dining venue' or 'utility company' for the purposes of Mastercard transactions, excluding any business or organisation paid using any intermediary platform, for example, PayPal.
1 point per $1 spent on all other purchases.
After spending $5,000 in a given statement period, any additional purchases (regardless of category) made within the same statement period are subject to earn 0.5 points per $1 spent.
Points Boost: up to 2 Bonus Points per $1 spent on the highest eligible purchase (not exceeding $500) up to 1,000 Awards points in a statement period. They will appear on your credit card statement under the ‘Awards Transactions’ section. In some instances, transactions at the end of the statement period will be allocated to the next statement cycle and may be identified as the highest transaction for that statement period. These points are treated as Bonus Points and are earned on top of the normal Points earned for the purchase type category up to 1,000 Bonus Points. We may adjust your Points retrospectively for any refunds and reimbursements to your Card Account by deducting the number of Points you previously earned for that transaction.
5Ultimate Awards credit card:
3 points per $1 spent on international transactions. International transactions include purchases made overseas or in Australia (for example online) where the merchant or entity processing the transaction is located outside of Australia.
2 points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining or utilities (electricity, gas & water). Please note that we are reliant on information about the merchant's business categorisation provided to us by either the merchant or their financial institution. The merchant must be classified as a major 'supermarket', 'department store’, or 'service (petrol) station', 'dining venue' or 'utility company' for the purposes of Mastercard transactions, excluding any business or organisation paid using any intermediary platform, for example, PayPal.
1 point per $1 spent on all other purchases.
After spending $10,000 in a given statement period, any additional purchases (regardless of category) made within the same statement period are subject to earn 0.5 points per $1 spent.
Don’t have enough points? Use the points you have and pay the rest with your Awards card.
Simply present your CommBank Awards card in-store and ask to pay with points or go to myer.com.au and select to pay with CommBank Awards points at checkout.
Redeem points for flights, holiday packages and more. Simply present your CommBank Awards card in-store and ask to pay with points or go to flightcentre.com.au and select to pay with CommBank Awards points at checkout.
If you don't have enough points to pay for the full amount of your purchase, you can use Points Plus Pay both in-store and online at Myer or Flight Centre.
In-store: simply go in-store at Myer or Flight Centre, present your CommBank Awards card at the register and ask to pay with points. Then you can pay the remaining balance with your debit or credit card.
Over the phone: turn your Awards points into travel at Flight Centre, simply call 1300 165 033 and ask to pay with points.
Online:
Experience more while boosting your points. Earn Bonus Points for every $1 spent when shopping with our bonus partners. There's no cap on how many extra points you can earn, so you can build your points balance faster.
Every dollar you spend with our bonus partners or at the Bonus Points eShop, earns you Bonus Points on top of your Awards points.
Just remember to log on frequently to check out the latest offers.